I stress out over money. Big time. That’s a fact. I am single mom of three. From health insurance, to groceries, light bill, extra curricular activities, gas – well, I operate kissing the red line more often than not. And my closest friends – know this. And I decided to be vulnerable and share this – because I know I an not alone. (And wait until my book comes out – you can find out a WHOLE BIG BUNCH of my financial fears and worries – aren’t you excited!? LOL!)
First, and the most important thing for you to know – is you are not alone! A lot of people struggle with finances. And here’s some startling facts. To begin with, in a recent survey put out by Bizrate – the number one cause of stress in America? You got it. Money. And if you are anything like me, there is some comfort in knowing I am not alone.
Second reason? Almost 75% of people surveyed – didn’t have a three month emergency fund. Once again, I am in good company. LOL! Less than half of the respondents, would have the funds or access to funds (meaning credit cards, etc.) to cover a 1000 dollar emergency. This is probaby the reason why most people say that “unexpected expenses” are there biggest concerns.
Why am I randomly giving you facts? Because I want you to know that you aren’t alone. And just because you struggle financially – does not mean you are a loser. It doesn’t mean you are dumb. And it doesn’t mean you are irresponsible. You might have had moments of being irresponsible that made it worse – but you are a human.
Listen, I have made my own situation worse before – so I don’t mean that judgmentally. I am just saying – I get it. I, personally, have random times where I feel complete panic and think I might burst into tears – over finances. I wake up sometimes in a sweat and I am panicking. But you know what else I know? This is only temporary. I haven’t always struggled financially, and in a couple years, with God’s help and everyone’s prayers, I am sure I will be fine.
But isn’t it this middle that stinks? Brene Brown said, “The middle is messy, but that’s where the magic happens.” You want to know what I have learned about struggling in the middle? It teaches you to be grateful. It gives you goals. And it can keep you focused. I look forward to the day, where I can just go to the grocery store and get what I need without running a tally in my head. But for now, I am grateful that I am able to run a tally in my head, and can purchase groceries. Some people go hungry. I am grateful for every single thing I have been given. And I might have to hustle and work hard to make ends meet – But guess what guys. It’s worth it. I am learning so much. And if I hadn’t went through this – I wouldn’t have.
Here is a thing that I have learned that helps me. When I panic, I talk it out. Sometimes it’s to God and my friends, sometimes it’s to God alone. But when I do, I realize it will be ok. I also do positive affirmations in my mind. I will just think, “You are on the right road to financial freedom. It’s just a curvy and bumpy one.” And what’s my idea of financial freedom? No bills but house bills/insurance/groceries. No medical bills, no car payments, no credit cards. It’s not 2.5 million dollars. Not mansions. Not fancy cars.
Another funny thing that has happened in my ‘middle’? I am the happiest I have been. I feel so loved. My pack is an amazing group who rally around me. Encourage me. And still say – you have to keep writing. Keep doing this. It’s important work. So yeah, I might sit up at night working on my book and writing blogs – but hey. I can sleep when I’m dead.
So here is what I am saying. I’m no Suze Orman, Dave Ramsey, or any other financial guru. I am not here to give financial advise. If you are in a tough financial season – you are not alone. I’m in the trenches too. I cry too. I get waves of panic that take my breath. I look at my kids sometimes, and feel so guilty because I can’t take them on a proper vacation. But here we are, all in this together. And hey- be grateful I’m in it with you, I make pretty good company! But on a serious note, WE can get through it. So hey – keep praying for me for and I will pray for you, too!
Love Fully. Live Fully. Shine on.